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Anipa is 61 years old and a widow, who raises three children by herself. After the death of her husband, Anipa for a long time thought she would not be able to survive the loss of her loved one. She had to raise and support her children, and Anipa decided to take on the financial and household responsibility by herself. Anipa has secondary education.

As a main source of income for her family, Anipa works with livestock breeding and field crop cultivation, after having started 14 years ago with the purchase of livestock for 7,000 som (KGS). Thanks to Anipa's persistent work, her farm currently has four dairy cows and 10 sheep. She also has a plot of land of 1.56 hectares, on which she grows barley, wheat and hay. She has all conditions for breeding cattle, having harvested 200 pieces of pressed hay and 1.5 tons of barley. The monthly income is 10,000 som (KGS).

With an aim to further develop her business, Anipa turned to the bank "Bai Tushum" for a loan to purchase cows to fatten and subsequently resell at the market at a higher price. Anipa plans to invest the income from the loan in further increasing the number of livestock, and intends to save money for repairing her house.
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Анипе 61 год, вдова одна воспитывает 3 детей. После смерти супруга, Анипа очень долго не могла пережить утрату близкого человека. Нужно было воспитывать и ставить на ноги детей и Анипа решила взять хозяйство и материальную ответственность в свои руки. У Анипы - среднее образование, в качестве основного дохода для своей семьи Анипа занимается животноводством и полеводством, стартовав 14 лет назад, с покупки скота на 7,000 сом KGS. Благодаря упорному труду Анипы, в ее хозяйстве на сегодняшний день имеется: 4 дойные коровы, 10 овец, а также имеет земельный надел размером 1,56 ГА, на которой выращивает ячмень, пшеницу и сено. Имеются все условия для содержания скота, заготовлено 200 штук прессованного сена и 1,5 тонны ячменя. Ежемесячный доход составляет 10,000 сом (KGS). В целях дальнейшего развития своего хозяйства, Анипа обратилась в Банк "Бай-Тушум" за кредитом - на покупку коров для откорма с последующей реализацией на рынке по высокой цене. Доходы от кредита Анипа планирует вложить в дальнейшее приумножение количества домашней скотины, и намерена собрать средства на ремонт дома.

Additional Information

About Bai Tushum Bank CJSC

Bai Tushum Bank CJSC is a microfinance bank in Kyrgyzstan offering clients a range of products including loans for business development, trade, production, leasing, mortgage, consumption and more. Its portfolio is mostly comprised of group loans that cater to the broadest population of clients. Kiva lenders’ funds help the bank expand its services in remote areas to impact even more vulnerable communities in Kyrgyzstan.

About Kyrgyzstan

  • $2,500
    Average annual income
  • 58
    View loans »
    Kyrgyzstan Loans Fundraising
  • $10,880,625
    Funds lent in using Kiva
  • 51.2
    Kyrgyzstan Soms (KGS) = $1 USD

Success!! The loan was 100% repaid

A loan of $2,150 helped Anipa to buy cows for fattening and reselling.
100% repaid
Repayment Term
20 months (Additional Information)
Repayment Schedule
Feb 6, 2014
Feb 15, 2014
Currency Exchange Loss:
Sep 17, 2015